Directly from an insurer
If you buy direct, you will be advised on that insurers products only and they cannot discuss how their cover compares to a competitor. They won’t give you independent advice or direct you to a more suitable insurer.

From an agent
Agents can sometimes provide more options than going directly to an insurer. However, they are typically tied to only a few insurance providers and may only offer inferior policies.

From a broker
A good broker will give you completely independent advice, ensuring you have the right cover and you do not pay more than you need to.